M-Pesa, Stripe, Paystack
& Every Gateway In Between.
Get IntegratedPayment Integration Experts: M-Pesa, Paystack, Stripe, DPO & More
At Bunisystems, we build payment infrastructure for the full spectrum of how modern businesses collect money. Our roots are in mobile money, we are a premier Safaricom Daraja API developer, engineering high-throughput M-Pesa STK Push, C2B, and B2C automations that handle reconciliation, instant payouts, and real-time service delivery without any manual intervention. We also integrate Airtel Money and T-Kash for businesses that need complete mobile wallet coverage across Kenya.
For businesses serving regional and international customers, we implement Paystack, Stripe, DPO Group, Flutterwave, Pesapal, and iPay. Whether you need to accept Visa, Mastercard, and Amex through a PCI-compliant checkout, or collect payments from customers across East and West Africa through a single API, we architect the integration from end to end, including webhook listeners, retry logic, and fraud controls.
Every payment gateway has its quirks, rate limits, callback formats, settlement windows, and reconciliation edge cases. Our engineers have built production integrations across all the major providers operating in Africa, which means we know exactly where things break and how to prevent it. We handle the complexity so your team does not have to debug payment callbacks at 2am.
We also build custom middleware that syncs all transaction streams, M-Pesa, card, and bank, directly into your existing ERP or accounting software, giving you a single real-time view of your cash flow. If you are ready to offer your customers every payment option they expect, our Nairobi-based team is ready to architect the solution.
Payment Integration — Common Questions
What features should I look for in a payment processing service for my startup in Kenya?
For a Kenyan startup, M-Pesa integration via the Daraja API is essential — over 80% of digital transactions in Kenya run through mobile money. Beyond M-Pesa, look for: multi-currency support (KES, USD, EUR), card payment acceptance via Paystack or Stripe, USSD fallback for low-connectivity customers, automated reconciliation, and a provider experienced with CBK compliance. Also verify settlement timelines — Kenyan gateways typically settle in T+1 to T+3 business days.
How does M-Pesa Daraja API integration work for a business?
The M-Pesa Daraja API lets your business send and receive money programmatically. STK Push sends a payment prompt directly to your customer's phone — they confirm with their PIN and funds transfer instantly. For disbursements, B2C lets you send salaries, refunds, or commissions directly to M-Pesa wallets. Integration requires a Safaricom Business Shortcode and approved Daraja credentials. Bunisystems handles the full integration including webhook listeners, retry logic, and automatic reconciliation.
Which payment gateways work best for pan-African e-commerce?
For pan-African coverage, Paystack covers Nigeria, Ghana, Kenya, and South Africa with strong card and mobile money support. DPO Group and Flutterwave are strong across East and West Africa. Stripe covers international card payments and is ideal if you serve USD-paying customers. Many Kenyan businesses run Paystack for local collections and Stripe for international — Bunisystems can architect a unified checkout that routes payments to the right gateway automatically.
Ready to scale your
collections?
Connect with our engineers to build your custom payment infrastructure.
Request a Demo